How it works

The illustration above is based on the current crediting rate of 2.68% p.a. and charges prevailing at the date of this illustration.
Based on the assumption where the illustration for first 6 years have taken into account the fixed and guaranteed crediting rate of 2.68% p.a. and for the subsequent years will be guaranteed at 0.00% p.a., End of Year 6 Total Withdrawable Account Value without loyalty bonus = S$114,849, End of Year 10 Account Value = S$114,964. The actual crediting rate applicable to your policy may be different to those shown in the illustrations, which are purely illustrative. The actual rates may be higher or lower depending on future investment performance.

The information is for illustration purposes only and is without regard to the specific objectives, financial situation and needs of any particular person who may view it.

The total illustrated yields of 2.66% p.a. (for 2 year premium payment) and 2.69% p.a. (for lump sum premium payment) at end of year 6 is inclusive of the required 1.2% of first-year premium charge.

Note: Surrender/ Partial Withdrawal charge will be based on amount withdrawn from Account value. E.g. Partial withdrawal of S$10,000 at year 1 would incur a charge of S$8,000.

Before Applying

Verification

Verify via Myinfo or Snap photos of your NRIC/FIN Pass

Proof of Address

For non-Singaporean only. Submit a copy of your proof of address (from bills or statements)

Online Payment

Pay via a DBS/POSB bank account only. It is recommended to pay via a bank account that matches the name of the policyholder.

You are recommended to read the Product Summary, Policy Illustration and policy documents for the exact terms and conditions, specific details and exclusions applicable to this insurance product that can be obtained from us. You are advised to seek financial advice before deciding whether to purchase the policy. In the event that you choose not to seek financial advice, you should consider whether the policy is suitable for you and meets your needs in light of your objectives, financial situation and particular needs. Please contact Etiqa Customer Care at 6887 8777 or customer.service@etiqa.com.sg for assistance.

Frequently Asked Questions

Who should I contact if I have further questions?

Our Customer Care team will be happy to take your questions during operating hours from Mondays to Fridays, 8.45 am to 5.30 pm. You may also contact us through WhatsApp at +65 6887 8777 or visit our website at www.etiqa.com.sg to start a live chat with us.

Who can buy this plan?

You can purchase this plan for yourself if you fulfill the following criteria:

1) You are a Singapore Resident with a valid NRIC or FIN; or

2) You are foreigner but you must be holding a valid Work Permit, Employment pass or Social pass. (For any changes in your Pass, Permit or Visit Programme after purchasing, please write in to our Customer Care Team at customer.service@etiqa.com.sg to notify us.)

Important notes:

This product’s availability is based on a first-come-first-served basis and Etiqa Insurance reserve the right to close the tranche at any time without prior notice.

*Free Partial Withdrawal Benefit

During the first 6 years from Policy issue, you may perform partial withdrawal(s) without any charge under the following circumstances:​

If You or Your spouse is certified by a Doctor to: be physically or mentally incapacitated from ever continuing in any employment; have a severely impaired life expectancy; lack capacity within the meaning of Section 4 of the Mental Capacity Act (MCA) and the lack of capacity is likely to be permanent; or be diagnosed with Terminal illness.

You can exercise this benefit subject to the following conditions: Any of the above-specified events has to occur after the Policy issue date or latest Reinstatement date; The maximum partial withdrawal amount is the lower of S$50,000 or 50% of the total Regular premiums paid (not including Premiums paid in advance); and this benefit can only be exercised once throughout the policy term.

This policy is underwritten by Etiqa Insurance Pte. Ltd. This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract. The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.​

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.​

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).​

Information is accurate as at 1 August 2019. This advertisement has not been reviewed by the Monetary Authority of Singapore.​

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